Top 10 apps you need to manage your personal finances

25 May 2021 - Category: Blog /
best finance apps

It is easier than ever to take care of your personal finances. Whether you are looking to send money, manage your investments or budget responsibly, there are a host of apps designed to make your life easier.

We want to recommend some of the best personal finance apps on the market right now. Here is a list of the top 10 financial apps to manage your personal finances.

  • Money Dashboard

Money Dashboard is one of the UK’s leading personal financial management services. Their multi-award winning app is one of the leaders in the market because it is simple, innovative and trustworthy.

With Money Dashboard you can manage all your accounts in one place so you can know how much money you have and learn to grow your savings. Through the app you balance your bills, track your spending and connect to your bank.

Trust is important when it comes to finances. And the Money Dashboard app passes the test with flying colours. The app is as safe to use as any bank app and is regulated by the Financial Conduct Authority (FCA).

Money Dashboard has been in operation for over a decade and has built up an enormous user base that trusts their service.

  • Cleo

Similar to Money Dashboard, Cleo’s app helps you save money, track your spending and organise your financial life. In 2020, Cleo won the Best Money Management App Award from This is Money. And we can see why.

Their interface is simple and allows for intuitive customisation. An app like Cleo is one of the best ways to visualise your spending habits and make your personal finance management practical. One of their stand-out features is their Credit Builder which helps users to break down your credit report so that you can understand and improve your credit score.

  • SoFi

If you are considering jumping into the investment game then SoFi might be the app for you. SoFi is an app that helps you borrow, invest and save money.

Business Insider said that, “SoFi Invest is a worthwhile investment app for beginners without a ton of money to invest.” The key to the app's success has been its ability to simplify the complex investment jargon and strategies. Anyone with some money can use this app for a week and learn more about how to manage and implement their investments.

The app offers two types of investing: active stock trading and a passive, automated-adviser option. If you are intrigued by investing then we recommend having a look at SoFi.

  • Nutmeg

Nutmeg is another digital wealth management app that helps users with their investments. What sets Nutmeg apart from their competitors is their commitment to transparency and simplicity.

They believe that investing should be a clear and straightforward process. The app achieves this by helping users to build and manage complex investment portfolios. Their interface is elegant and sleek and they have no hidden fees. It is the perfect app for novices and more experienced investors.

  • Mint

Mint is one of the most popular budgeting apps on the market. It has been so successful because it is accessible, innovative and easy to use for any level of financial budgeting.

They have over 25 million users and their experience is testament to the quality of their app. It is a totally free budgeting app that also allows sophisticated investment tracking.

Ultimately, it is one of the best apps to help you improve your spending habits. It promises to bring all your money essential to one place so that you can easily organise your financial life.

  • Splitwise

Are you sick of worrying about how you’re going to split the bill? If so, Splitwise might be the app for you.

Splitwise is an app that helps you keep track of shared expenses and balances with friends, families, roommates and groups. The app offers a wide variety of services to ensure that you don’t have to worry about losing money.

Splitwise will enable you to pay friends back, organise expenses, track balances and simplify your personal financial situation. It is the ideal app if you want to manage your personal finances but you don’t want to learn about complex systems. It is easy to use and low maintenance.

  • Personal Capital

Personal Capital says that they are the only portfolio tracker you will ever need. They can make bold statements because of the quality of their app. With Personal Capital’s app you can monitor your investments, retirement funds and financial situation all in one place.

They use convenient tools and professional-grade technology to ensure that you have a reliable portfolio tracker. This app is the ideal investment tool for anyone wanting to take control of their finances in a responsible manner.

  • Simplifi by Quicken

The Simplifi app is designed to help you reach your financial goals with confidence. Simplifi by Quicken is an award-winning budgeting app that offers a personalised spending plan with real-time updates. With the app you can see check on your spending habits and progress towards your ideal financial goals.

We recommend Simplifi because it has sophisticated cash flow tools and an easy to use interface. There is a free 30-day trial version of the app or a $35.99 per year version. If you are willing to spend that little bit more to ensure that you look after your finances then we believe it is worth it.

  • Emma

Emma wants to be your financial best friend. The Emma app may be smaller than many of its competitors but it is quickly gaining a thriving user base. The app helps you track and ancel wasteful subscriptions, see all your accounts in one place and sync your budgets.

Emma uses state-of-the-art security measures when handling your financial information and has built up a strong connection of trust with their users. It is a great money management app worth exploring.

  • Small World

Small World is focussed on making your financial life hassle-free. With our money transfer service app you could send money easily all around the world. You can use the Small World App to transfer funds, track the transfers and get expert assistance from Small World staff. The app is safe, secure and easy to use.

For many years we have helped to facilitate millions of international transfers and transactions so that people can get their money where it needs to be. The Small World team is constantly improving the app to respond to the demands of technology and our customers. Your first transfer doesn’t include any fees, a good way to try the app and see if it’s the right choice for you.

Take control of your finances

Hopefully, one or more these top apps have caught your eye. You can use any one of them to learn how to manage your personal finances. Whether you are thinking about investing, want to conveniently split a bill, or send money to family and friends overseas these apps can help.

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